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Barclays Auto CLI with high utilization!!

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thirst305
New Contributor

Barclays Auto CLI with high utilization!!

So recently I've made heavy heavy use of my credit lines.  Spanning 8 cards or so, 6 are 90% util or higher, 2 are 80% or higher.  I have 3-4 other cards that weren't used.

 

Barclays increased my limit from 3160 to 4200 after I sent in a couple of 500-1k payments to get the balance down from 3100 to 2100 (also charged another 1k during the paying down period).

 

Was half expecting them to CLD me, not auto CLI me... 

Ch7 BK discharged 3/2009
Bloomies (10/99): 4k Alliant (8/10): 4k
SCEFCU Visa (9/12): 6k SCEFCU auto (9/12): 22k
Barclays Apple (10/11): 5k iTunes: 3k SLM: 15k
Amazon (8/12): 15k Walmart store (9/12): 6K
Partners (9/12): 20k CapOnex2 (1/10): 10k Discover IT (3/13): 5k
SDFCU: 20k Amex BCE: 8k
Message 1 of 7
6 REPLIES 6
coldnmn
Mega Contributor

Re: Barclays Auto CLI with high utilization!!

Congrats! Barclay has given me CLI at 6  months and a year. I carried a balance then also. 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 2 of 7
resilient
Established Contributor

Re: Barclays Auto CLI with high utilization!!

Barclays is mad at me because all of my other limits dwarf the one they gave me.......$2.5k for 10 months now, smh........I don't use it much either, only when there is not a Hyatt nearby lol
Amex Platinum Amex PRG Amex Hilton Surpass ($7k) Citi AAdvantage WEMC ($20k) Citi Hilton Honors VS ($6.8k) Dillard's Amex ($7.5k) Discover it ($6.5k) FNBO Chrysler MC ($30k) Military Star Card ($4.8k) Nordstrom VS ($25k) PenFed Power Cash Rewards VS ($20.5k) Ritz-Carlton VI ($54.5k) Starwood Preferred Guest Amex ($10k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($16k) Sears MC ($6k) USAA Limitless VS ($15k) Walmart MC ($7.5k) AAdvantage Aviator Silver WEMC ($11.3k)
Message 3 of 7
john398
Senior Contributor

Re: Barclays Auto CLI with high utilization!!

wow impressive, I only have 2k on my Apple Financing

Message 4 of 7
thirst305
New Contributor

Re: Barclays Auto CLI with high utilization!!

I was just surprised because I have heard many horror stories of Barclays AA when you carry lots of balances.  So this was abnormal.

Ch7 BK discharged 3/2009
Bloomies (10/99): 4k Alliant (8/10): 4k
SCEFCU Visa (9/12): 6k SCEFCU auto (9/12): 22k
Barclays Apple (10/11): 5k iTunes: 3k SLM: 15k
Amazon (8/12): 15k Walmart store (9/12): 6K
Partners (9/12): 20k CapOnex2 (1/10): 10k Discover IT (3/13): 5k
SDFCU: 20k Amex BCE: 8k
Message 5 of 7
Autumnslight
Frequent Contributor

Re: Barclays Auto CLI with high utilization!!

I've had a Barclays Rewards Mastercard for almost a year now, with a $5k CL. I've mostly kept the card under 50% utilization, but it crept up a little more last month, and posted over 50% before I had a chance to pay it down. Imagine my surprise when I checked my account and found a new CL of $9k! That's right, they gave me a $4k CLI, when I had over 50% utilization on the card. My overall utilization was about 22% I have NO idea what their reasoning behind that was, and it seems to go against everything you hear about Barclays, but I'm not going to complain.

Scores:
07/29/12: EX FICO (Amex) 684 | EQ MyFICO 631 | TU Walmart 695
Current: EX FICO (MyFICO) 733 | EQ (MyFICO) 683 | TU (Walmart) 745

First Goal: 700+ across the board - Got it on EX & TU!!!
Message 6 of 7
djc1puno
Valued Contributor

Re: Barclays Auto CLI with high utilization!!

Congrats! Smiley Wink


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
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